Mobile checkout systems and methods
AssigneeSamsung Pay, Inc.
InventorsWilliam Wang Graylin, Man Ho Li, Jimmy Tai Kwan Tang
Life of this patent
Estimating the term…
Abstract
A mobile checkout system and method for completing a purchase transaction to purchase items from an internet merchant. A user browses and selects items for purchase from the merchant through a shopping application or browser. During the processing of the transaction, a checkout application installed on a mobile communication device is launched. The checkout application receives a checkout token created by a checkout server that identifies the purchase transaction. The checkout application uses this token and communicates with the checkout server to cause the checkout server to complete the purchase transaction, in which payment data is securely transmitted using a cryptogram.
Claims18
A checkout system implemented on a mobile communication device including a merchant application or browser application available on the mobile communication device and adapted to allow a user to select items to purchase from a merchant, comprising:
- a communication processor in communication with a checkout server hosting one or more web service checkout application program interfaces (APIs) adapted to communicate with the mobile communication device;
- and
- a checkout application installed on the mobile communication device and adapted:
- to be launched in response to receiving information corresponding to a purchase transaction;
- to receive user payment information, including magnetic stripe data, from a magnetic stripe transporter (MST) embedded in or in communication with the mobile communication device, wherein a cryptogram is generated at the time of the purchase transaction and included in the magnetic stripe data to secure the magnetic stripe data;
- and
- to communicate with the checkout server and cause the checkout server to complete the purchase transaction using the magnetic stripe data from the magnetic stripe transporter.
A method, comprising:
- allowing a user to browse and select items for purchase from a merchant through a first application or browser;
- launching a checkout application installed on a mobile communication device in response to the checkout application receiving information corresponding to a purchase transaction;
- receiving, by the checkout application, a checkout token identifying the purchase transaction created by a checkout server;
- receiving, by the checkout application, user payment information, including magnetic stripe data, from a magnetic stripe transporter (MST) embedded in, or in communication with the mobile communication device, wherein a cryptogram is at the time of the purchase transaction and included in the magnetic stripe data to secure the magnetic stripe data;
- and
- communicating, by the checkout application, with the checkout server to cause the checkout server to complete the purchase transaction using secured magnetic stripe data from the magnetic stripe transporter;
- and
- relaunching the first application or browser in response to completion of the transaction.
Dependencies are inferred from the claim text.